Legal analysis: After the death of a parent, whether the credit card needs to be repaid by the children should be determined based on the specific circumstances. After the death of their parents, if the children inherit the inheritance, they should also inherit the parents' debts and bear the responsibility for repaying the parents' credit cards. However, the children only need to bear the responsibility for repaying the credit cards to the actual value of the inheritance. If the debt exceeds the value of the inheritance, the child shall be responsible for the repayment of the parents' credit cards. The children voluntarily repay; if the children give up their inheritance rights, they do not need to bear the responsibility for repayment.

Legal basis: Article 1161 of the "People's Republic of China and Civil Code" The heir shall repay the taxes and debts that the deceased should pay according to law to the extent of the actual value of the inheritance received. This does not apply to the amount that exceeds the actual value of the estate and is voluntarily repaid by the heirs.

If the heir gives up the inheritance, he will not be liable for the taxes and debts that the deceased should pay according to law.